Too many plans. Absolutely ludicrous!

@judiashley5818

4 ай бұрын

It is so depressing needing all these plans and still working and paying into it. No dental and vision either

@DickNasty480

4 ай бұрын

@@judiashley5818 If you have a MEd Sup and your ophthalmologist accepts Medicare- you can get your eyes checked using your Med Sup. If you have not met the deductible you will have a co - pay. If you have met the deductible you will not have met the deductible . They will not pay for glasses or contact lenses bu you can at least you an exam.

@kbenefits

4 ай бұрын

No, there's only 1 plan. Plan G. After you do the math, it's Plan G. pay a $240 Part B deductible and your done. Super easy, super great insurance. Do the math. After you look at G, and do the math, it's clearly Plan G. Plan G vs Plan N. about a $40 dollar per month premium difference. So 2 visits a month, you should be in Plan G, More than 2 visits, you should be in Plan G. and then there's the EXCESS CHARGES which is balance billing. You should be in Plan G. You are going to pay more in Plan N 99% of the time. Enroll in Plan G, set and forget.

I signed up for Medicare starting on March 1st. My agent steered me towards plan N, telling me there would be no co-pays for telemedicine or urgent care, and that was very unlikely to change. Now, 3 months later, I’m told they changed anyway. What’s next? Copays for therapy? Probably!

Thank you Stephanie for another of your helpful videos.

I have plan N and had an audio only follow-up phone call with my doctor in September. It was billed as telehealth; Medicare paid 80% and my supplement plan N paid the remaining 20% balance.

@sct4040

3 ай бұрын

Medicare paid only about $35 for telemedicine. It’s a sad amount for a doctor. Then my AARP Supplement Plan N paid 0.31 cents. I was insulted for her. Then the doctor’s office billed me $19+ change.

@BlessedBeMyDay

3 ай бұрын

@@sct4040 um your co- pay .

@micheleyoungblood

2 ай бұрын

​@@sct4040the total eligible charge seems to have been $43.75. Medicare paid 80% or $35. Then you pay up to $20 or 20%. You should have paid $8.75 plus the tax in the entire eligible charge if your state allows tax on medical. I don't understand your breakdown

Thank you for explaining the changes in Plan N. Also, thanks to the audio dept for the microphone. Much better.

@AbtInsuranceAgency

7 ай бұрын

Haha, thanks. I am the audio department 🙃

Thank You for these Very Informative videos. I joined AARP 'cause it's suppose to help with Medicare Supplement Plans,,if i'm a Member. And Ohio might have diff coverage than Indiana,,15 miles away. crazy

Hi there! Very well explained! We definitely will be calling you & your staff soon! Thank you for all that you do!!

@AbtInsuranceAgency

4 ай бұрын

Awesome! Thank you!

Job well done, keep up the good work.Thanks for doing what you do.

@AbtInsuranceAgency

7 ай бұрын

Thank you!

I recently became an Abt client and I am so glad I did. Your videos were very helpful and your staff is so competent. I wanted to switch from Medicare Advantage back to Medicare+supplemental and the insurance companies’ sales people I spoke with didn’t seem to have a clue how to answer what I thought were some very basic questions about underwriting. Your staff answered them quickly and the answers made perfect sense. I wish I had signed on with you yrs ago.

@AbtInsuranceAgency

7 ай бұрын

I love hearing this and I’m so delighted you are working with us!

Thanks for the updates

As always, this video is infirmative and makes the Medicare supplement info as clear as it can be, given that it is a very confusing topic!

Great job Stephanie about plan N. You're the 1st on KZread to address this. And I do subscribe to you and 9 or 10 other independent agents here.

@AbtInsuranceAgency

7 ай бұрын

Thanks!

thanks for all the info you do, I have tri care for life

Thank you for all your videos! You come across as incredibly trustworthy medicare professional, and offering up very useful information for those of us approaching Medicare (can't wait for April1, 2024!), and on top of it all, you have a wonderful demeanor and, if I may so so without sounding creepy, happen to be a lovely looking lady! (Sorry, I had to say it! My happily married wife agrees! 🙂) I will be calling your office in early January, to ensure I follow the appropriate process for Medicare selection and startup on April 1, and to ensure I do the correct thing with removing myself from ACA plan (while wife needs to continue on an ACA plan, unfortunately!) Thanks again, for all you do!

@AbtInsuranceAgency

7 ай бұрын

Wow, thank you!!

Thank you for your clear explanation on the changes coming on plan N. Your videos were my go to in trying to navigate and understand Medicare when preparing to retire. Helping as well in making my choice.

@AbtInsuranceAgency

7 ай бұрын

I am so glad to hear this!

Thanks for the info I appreciate it and I'm leaning Plan N now because of your video.

Good to know. Thanks Stephanie

@AbtInsuranceAgency

7 ай бұрын

You are so welcome!

Thanks so much You are very clear explaining a very confusing system. Its ridiculous trying to navigate the poorly planned medical system for the retired. It is nothing to look forward to. But with your assistance its so much easier and clearer. Bless you ! ♥️

@AbtInsuranceAgency

6 ай бұрын

Thank you! 😊

After checking out some ABT insurance videos, I decided to look into their services for myself. I reached out to Stephanie, and she quickly connected me with Tiana Brown, a friendly agent who made the whole process in New Jersey a breeze. Tiana asked about my prescriptions, set me up with coverage at no charge, and when I picked up my meds recently, the bill was $0. The folks at ABT are courteous, professional, and it seems they can assist you no matter which state you're in. Big thanks to Stephanie for the help!

@AbtInsuranceAgency

5 ай бұрын

Wow thank you so much for taking the time to leave this comment! We are so delighted to be helping you. 😊

Too much wiggle room for charges today, which will be exploited further in the future with coding changes. I will get plan G.

Its very understandable these services are changing coding. They are working in or out of office. Times have changed since covid. I order food for pickup and I know they still are a business so i expect the food prices be higher than in store.

Beautiful, concise and clear explanation. After watching a lot of your videos, it seems to be a no brainer that the only decision to make once you decide to go on Medicare is Plan N or Plan G. I'm 64 very healthy and still working so I have insurance through my employer. My insurance is not good but there are two reasons I'm going to keep it beyond the date that I am eligible for Medicare. One - I am very healthy and don't need to go to the doctor often and that makes my current insurance much cheaper than Part B and N or G. Two - because my insurance isn't very good, I'm eligible to contribute to an HSA. That is something that I will lose when I go on Medicare (actually six months before I go on Medicare). For now, though, I can put away $5,000 a year in triple tax advantaged money into my HSA. Not being able to put away $5,000 a year into an HSA is a massive loss when you start Medicare. And it's not something I want to give up until I have to.

@retired8484

7 ай бұрын

Plan GHD

@ssa8479

7 ай бұрын

Right on, Dave! I'm also 64, in good health, have okay health insurance through my employer. And an HSA plan. Planning to work till 70 (I like my job!) and possibly a couple of years past that, and keep putting away the HSA money. Not planning to take Social Security till 70, no point in delaying after that. I think once you take SS you have to take Medicare Part A at least, but have to make sure of that. Part B and Plan N when I finally decide to retire.

@christinedaley5580

7 ай бұрын

@@ssa8479 Part A automatic at age 65 I believe if entitled of course which I am sure you are. 🙋‍♀️🙋‍♀️

@ssa8479

7 ай бұрын

@@christinedaley5580 I’m entitled to sign up next year, but it’s not automatic unless you’re already getting Social Security. If not taking SS, you can sign up any time after 65. SS increases 8% a year till age 70, so might as well start taking it at 70. It won’t increase after that. Even if you start SS, you can continue on employer’s health insurance and not sign up for Medicare Part B or even Part A if you plan to keep contributing to your HSA. You can’t sign up for any part Medicare and still contribute to tax-free HSA. Since income goes up with SS and pay, max out 401k and HSA, plus catch up contributions to reduce income as much as possible. Then when you’re ready to retire, plan ahead and sign up for Medicare and Medigap (plus Part D and dental/vision). No underwriting required if you have had employer insurance till then. Medigap companies can’t turn you down.

@napoleonmdusa8877

7 ай бұрын

@@ssa8479 From what I remember reading, if one delays starting Medicare past age 65, a penalty of 10% per year delayed (i.e. 50% penalty by age 70) will be added to the Medicare premium (plus yearly increases) when they finally start Medicare at age 70. I really don't like this Medicare penalty thing when those of us who want to delay Medicare due to still working or being very healthy and not needing it, get penalized for it.

Thank you

@AbtInsuranceAgency

7 ай бұрын

You are welcome!

Thanks for this explanation, as I have been unable to contact anyone about my current coverage. My question: I am satisfied with plan N, but am unclear as to why premiums continue to increase when I have made no changes in my coverage.

@AbtInsuranceAgency

7 ай бұрын

This video helps explain! kzread.info/dash/bejne/eJeikquLn8uoYbw.htmlsi=l4lGvMyLAcDF4vJe

Excellent presentation and information provided. I did have radiation treatments provided recently twice a week and they did charge co-payments for each treatment. Is that standard and allowable? Thank you so much!

@AbtInsuranceAgency

7 ай бұрын

Wow, surprising but not unheard of. Great feedback!

Thanks for all the information I’m wondering what typical costs would be for add on Vision and Dental coverage since the supplement don’t include them Thank you

@AbtInsuranceAgency

6 ай бұрын

It depends but plans typically start at around $30-$50/month for dental and vision!

@pennynewman7192

5 ай бұрын

@@AbtInsuranceAgency thank you

In my area, Houston, plan N is now more expensive than plan G

If there is a 20 co-pay for diagnostic visits, with Plan Ni I assume I'd pay a co-pay for procedures like MRI's, CAT Scans, etc. Is that correct?

Well done, Please add information on what year you describing the changes. Google and KZread searches can find things that are years out of date. 😊

Thanks for explaining this issue so clearly and thoroughly. You mention that PT is coded differently and is not subject to a copay. However, what would prevent PT (and other medical professionals) from deciding to use different codes that would be subject to a copay. Couldn't they somehow justify that they also Diagnose & Treat illnesses during an office visit?

@AbtInsuranceAgency

7 ай бұрын

It is very possible!

@christinedaley5580

7 ай бұрын

I just had a little PT for like a tendonitis in my arm. I paid a $20 co pay to the ortho doc for my visit and but no copay when I went to their PT dept 2 weeks later and that was with plan N. Plan N great coverage and in south Florida much cheaper than G. I think I spent $180 in co pays for the year. G premium was $800 more for the year. No brainer. Saved $620. 👍👍👍

@dennislaplant95

7 ай бұрын

@@christinedaley5580 Yep. For me in SW Florida, N is $660/yr cheaper than G. That would be 33 office visit copays.

@christinedaley5580

7 ай бұрын

@@dennislaplant95 Absolutely. N the much better choice and going forward a more stable premium predicted over G. 🙋‍♀️🙋‍♀️🙋‍♀️ Especially in high priced states and fairly healthy individuals. 👍👍👍

@AbtInsuranceAgency

7 ай бұрын

@@christinedaley5580 amazing!

I'm wondering if you have a Plan G and it change it to a Plan N in the future without going through underwriting?

Medicare keeps reducing payments to doctors each year. Should we not expect an increase in providers who will have excess charges?

@AbtInsuranceAgency

7 ай бұрын

Great question - there is still a large incentive, if doctors decide to take Medicare patients, to accept Medicare Assignment. An alternative is to not take/not bill Medicare at all.

Medicare should be the only plan we have after we work all our lives and retire. No extra supplement plans for dental, vision we have to pay for.

Hello, I was thought to believe that it would take an act of Congress to change the terms of plan N or any plan? Now it’s happening anyway!

Thanks for the update on Plan N. What happens when an Insurance company goes belly up? Does another carrier have to pick you up at the same premium, same coverage and without underwriting?

@MaryBethMcCoy

7 ай бұрын

If your insurance company goes belly up, you get a special enrollment period of time where you can select another plan. To avoid underwriting, you would need to get a Plan G, which is now the guaranteed issue plan. If you wanted another Plan N, you would need to qualify through underwriting in most states.

@AbtInsuranceAgency

7 ай бұрын

If the insurance company completely goes under and can no longer offer coverage to you then you have a guaranteed issue right to purchase a new Medigap without medical underwriting. This is highly unlikely though.

@christinedaley5580

7 ай бұрын

What is the co pay now for urgent care? $20 or $50. Thank you.

@AbtInsuranceAgency

7 ай бұрын

@@christinedaley5580 our clients have been seeing a $20 copay for urgent care.

@christinedaley5580

7 ай бұрын

@@AbtInsuranceAgency Okay. Thank you. That’s what I thought but wanted to be sure. So telehealth and UC $20 co pay since Covid hit. Thanks again. 🙋‍♀️🙋‍♀️🙋‍♀️

I was hopeful you would address guaranteed issue rights for plan N if you leave it for MA then use your trial right to go back. Can you go back to N if company still offers it?

My plan n is 253.00 per month. Outrageous!

A friend has a the same Medigap Plan N as me but through a different insurer. Her policy says $0 Urgent Care co-pay. Mine doesn't even mention it. I called my insurer just to see why Urgent Care wasn't mentioned, told where on the CMS site I found the info, and they were wishy-washy....saying it depends on how they code it. Errr... I called again and this time they said I shouldn't worry about it and Urgent Care coding is different. I probably wouldn't get billed. This is so wierd. I mentioned previously, about the COVID-19 pandemic changes that CMS decided on. It ends 12/31/2024...who knows if all that was really was included as part of the changes to all plans along with telehealth as office visits. Right now I am satisfied why Plan N but I could easily go to G if I needed to. Wait and see.

@AbtInsuranceAgency

7 ай бұрын

Are you sure you both have Plan N?

@WhiteRosez007

7 ай бұрын

Yes I have Mutual Omaha Plan N and and she has United Health Care Plan N(AARP) in Oklahoma. She pays more on her premium than I do. I am 65 and so is she. She wants to switch to Mutual of Omaha which she still can because we are new...but now she's like....well let's see because of the new Birthday Rule. But she has still more time to switch without underwriting. I don't. I suggested to her just go to plan G and switch down later. By the way you can even go online to the UHC and actually see the Urgent Care for Oklahoma is $0.00 co-pay. One more point.... nothing to do with Plan N...We found out last month that in September Oklahoma how has the Birthday Rule due to increases in PlanF premiums that people can't get out of. anyway Stephanie thanks for all you do. 🥰@@AbtInsuranceAgency

@WhiteRosez007

Ай бұрын

I did Stephanie. I left it. I went to G by Aetna for this year.

Your contact information at the beginning of the video is really small when I watch the video on a TV. You might want to make it a bit larger so people can see it and connect with you.

@AbtInsuranceAgency

7 ай бұрын

Great tip, thanks!

Love my plan N

You didn't talk about part B excess charges. What if I needed a surgery, what kind of excess charges should I expect

Is there a copay or coinsurance for PT and OT? We've been paying each time for years.

@AbtInsuranceAgency

7 ай бұрын

And you have Plan N? Typically there is not a copay, but that is interesting if you have been paying one with Plan N. I wonder how they are coding your visits.

Have any of your clients filed a successful appeal for the $50 copay at an urgent care facility?

If you have physical therapy appts while on Plan N, do you have to pay a copay each time you go? Is Counselling available with Medicare plan N and well check ups ?

@mimi1o8

4 ай бұрын

Another agent on KZread, has said that, you don’t pay physical therapy on plan N

if I do not have access to the doctor's office, he is no longer my doctor. And BTW, nowadays, who sees the patients are Nurse Practitioners or Dr. Assistants whatever that means. I wonder if our premiums will be lower as well since the system lower our health provider's expertise.

which states don't allow excess charges. if PA does not allow excess charges and I live in PA, but I want to go to Mayo clinic in Minnesota (which allows excess charges) will they be allowed to charge me excess charges.

@AbtInsuranceAgency

Ай бұрын

Yes, they would - whether or not you may be billed excess charges depends upon the state in which you are receiving are.

Do the coding changes in plan N and the copayments or coinsurance allow one to change from an N to a G without underwriting? Also, on either plan N or G in general you need underwriting to change from one to another, but do you also need underwriting to change the supplemental company so another words if you were on G and you applied for end and it went through underwriting and you were declined for medical reasons. Does that mean that on the plan G you are stuck with that particular company forever

@AbtInsuranceAgency

7 ай бұрын

Great questions! Yes, underwriting is required to switch from N to G, G to N etc...or from one company to another unless you have a state specific rule: kzread.info/dash/bejne/aot4zLBsYrXQnLw.htmlsi=sOof_HsG1yhwAfEK Coding practice changes do not grant you a guaranteed issue right to change away from Plan N.

Can the dollar amount of each co-pay go up over time, or will they each be capped at $20 for life?

@AbtInsuranceAgency

6 ай бұрын

Unless the Medigap Plans get re-standardized and there are big changes on the government level there, the copay is capped at $20 for office visits.

I went to my urgent care for a sprained wrist and showed them my Medicare card and my supplemental insurance card but they still charges me $75 that day and also sent me an additional bill for another 25$ a couple weeks later. I have plan N. I was new to Medicare so I didn’t question it. Do you think I was ripped off? Love to know what you think.

@MaryBethMcCoy

7 ай бұрын

Have you met the annual deductible for 2023? You have to pay that first. Check your EOB or your bill. It would show you if the $75 was applied to your deductible.

@AbtInsuranceAgency

7 ай бұрын

Had you already satisfied your Part B deductible of $226/year in 2023?

@WhiteRosez007

7 ай бұрын

You do need to meet your deductible first. So let's just pretend you are short $10.00 on meeting your deductible... When all said and done, you might only have to pay $10 copay. That's why they say up to $20.00. It seems maybe you didn't met that deductible yet. Best wishes.

I had another question about the co-pay for the plan N. Does a person that has an office visit need to pay the copay AND the part B deductible if their bill is high, or, just the part B deductible? Seems that if a person had to pay both, then it would maybe be better with a different plan?

@AbtInsuranceAgency

5 ай бұрын

You meet the deductible first. Then the copays start.

If you are on a plan N and at some point in time you want to switch to a plan G are be able to do that without medical underwriting??

@AbtInsuranceAgency

6 ай бұрын

In most states no. Underwriting is required.

Is the loss ratios of the individual plans (G vs N) isolated from each other? In other words, would any losses of the G could be compensated by N premiums?

Do these addtl plans only offered with a and b. Can you purchase n or g if you Medicare C advantage?

@AbtInsuranceAgency

3 ай бұрын

You cannot have an Advantage Plan and a Medicare Supplement/Medigap plan at the same time.

How much plan G and N premium cost in Oregon?

@AbtInsuranceAgency

6 ай бұрын

It depends on your zip code, and age.

Talk about excess charges---please

@AbtInsuranceAgency

24 күн бұрын

kzread.info/dash/bejne/aZ1pqpqac6bTd9o.htmlsi=2z-dTHmj4sqlMzwi check it out!

can you go over Plan D? it's soooo confusing!

@AbtInsuranceAgency

7 ай бұрын

Do you mean Part D Rx coverage?

I understand that plan n has a much lower deductible than g and you have to pay the co-pays. And I know people say the copays don't add up to the extra you pay in premium for plan g but I think what people forget is that you're not always going to be as healthy as you are this moment. If you get an illness and you start needing x-rays and blood work and Mri's and Ct scans etc i think the copays are going to fire out way the extra premium that G would have cost you. And you have to realize too that if you get an illness like cancer that's not necessarily over in 1 year so you may have to keep doing that for a number of years.

@AbtInsuranceAgency

2 ай бұрын

Good input!

Would urgent care be coded fir a $20 copay like primary drnir a $50 copay like emergency room?

@AbtInsuranceAgency

7 ай бұрын

$20, like a doctor office visit.

I was wondering, once you've met your deductible and Medicare gets a bill and pays their 80%, does Medicare bill your Medigap policy for the rest or does my Doctors office do it. I just want to be sure because I am going to Quest labs for a PSA test and I sign in on the kiosk. When I put my insurance info in, do I just put in my Medicare info.

@AbtInsuranceAgency

5 ай бұрын

Typically there is an “automatic crossover “ and Medicare bills the Medigap company

@billbeeb1803

5 ай бұрын

@@AbtInsuranceAgency Thank you very much

I will be turning 65 next year, and time flies I am looking Medicare so I am ready. Why does Medicare with a Supplement plan, cost 1/2 the price and give you more comprehensive coverage with no deductibles ( currently $9250) than the ACA Bronze plans?

@AbtInsuranceAgency

2 ай бұрын

The amount you pay for your ACA plan is based on your income. Medicare Supplement plans are not based on income.

Have you ever produced a video comparison between High G and Plan N? Do the savings in the N still hold up against a High G?

@AbtInsuranceAgency

7 ай бұрын

Good idea!

Amazing that CMS can not update the information you just reported on.

@WhiteRosez007

7 ай бұрын

I agree. However...they did make changes during the pandemic regarding telehealth. It may become a permanent way of office visits for all plans not just for those in rural areas. You can do a search and find CMS documents related to those changes on telehealth and other health care options. I am not by any means an insurance agent or adivisor. But I like to research information. It's just CMS should be more informative in my opinion.

The hospital just charged me the $1600 copay. They know I have Plan N, but I don't think they charged my Plan N insurance company. I had a copay for my annual welfare check, were they wrong?

@AbtInsuranceAgency

7 ай бұрын

They were wrong, and you shouldn’t owe that. Sometimes for Part A hospital services the hospital needs to submit a claim directly to your Medicare insurance company for payment.

@photoggg1

7 ай бұрын

I've gotten **many incorrect bills where they haven't submitted to my supplement plan. Feels like they go 'oops' when you catch them, but as a business strategy, they make a lot of money on the ones that are paid by busy or overwhelmed patients who can't keep track.

Does Medicare consider family plans such as me and my wife like corporate plans do, if not, then it seems we would be paying double.

@AbtInsuranceAgency

5 ай бұрын

Medicare is always individual coverage.

What happens if your insurance provider says they are doing away with N or leaving Medicare ? Like G are you guaranteed enrollment somewhere else without qualifying?

@AbtInsuranceAgency

2 ай бұрын

Yes, you would have a guaranteed issue right to purchase a Medigap plan with a different company.

I don’t know if you covered this, but is an Urgent Care visit a $20 or $50 dollar copay?

@AbtInsuranceAgency

7 ай бұрын

$20

So does plan charge a $50 or $20 for urgent care now?

@AbtInsuranceAgency

7 ай бұрын

Based on the coding information I liked in the video notes, it's the $20 office visit copay.

@Claudebonegt

7 ай бұрын

I highly recommend Abt. I am happy I found them on KZread!@@richardnowacki2869

Will my plan N premium go up next year on my monthly payment?

@AbtInsuranceAgency

7 ай бұрын

Likely, yes.

My question is will Plan N cover all doctor and ER copayments once the Part B deductible is met?

@AbtInsuranceAgency

5 ай бұрын

Once you meet the Part B deductible you still have a $50 copay for ER visits on Plan N. Unless you are admitted to the hospital in which case the copay is waived.

@vi9753

5 ай бұрын

Does the up to $20 doctor visits count toward the Part B deductible?

How long before I turn 65 should I contact an agent to explore my Medicare supplement options?

@AbtInsuranceAgency

7 ай бұрын

6 months is a great time frame!

@dgs8011

7 ай бұрын

@@AbtInsuranceAgency Many thanks. Love your videos. I've learned so much. I'll be contacting you all next summer.

Whats the best savings plan for someone who ABSOLUTELY refuses to go to a doctor unless it is critical?

@tenabarnes3269

2 ай бұрын

@nomretears I’ve been looking and I believe it is high deductible plan G. The deductible is capped at 2700 per year and that’s it, besides the 240 part B deductible. The cost in my area is 41 dollars a month but in NewYork is 60 dollars.

What about your part b co pay and gap that you will never reach. Unless terminal. So you're still paying for everything.

@AbtInsuranceAgency

7 ай бұрын

On Plan N?

Why does the link for the cms refer to the previous president?

@AbtInsuranceAgency

3 ай бұрын

It wad released in 2020.

@GrantHendrick

3 ай бұрын

@@AbtInsuranceAgency Thank you. I missed seeing the release date. Does this mean the current website version will be updated and corrected?

I've taken SS so I have Part A. I'm 67 and still working. Can I start Medicare at any time?

@AbtInsuranceAgency

7 ай бұрын

If you have creditable employer insurance then yes!

@napoleonmdusa8877

7 ай бұрын

@@AbtInsuranceAgency What characteristics for employer insurance make it considered "creditable" for Medicare?

@tenabarnes3269

2 ай бұрын

Company must have 20 or more employees to be considered credible coverage for Medicare purposes, if not you pay a penalty that lasts the entire time you use Medicare.

Hi I'm was disabled during covid and started getting ssdi this year. I want to be on Medicare org. BUT FINDING GAP INSURANCE EXPENSES HIGH. HELP PLEASE

So with plan n- even after we meet the 240.00 deductible - we still have to pay the 20.00 co pay? I thought medigap paid that 20.00. - as long as I have met the yearly deductible ? ?.

If im not happy in one medgap plan can i change to another

@user-lp8qp2un9v

3 ай бұрын

Medagap plan

How can i join your agency

Does Plan N cover annual physical exams since Medicare itself doesn't?

@AbtInsuranceAgency

2 ай бұрын

No, Plan N generally only covers what Medicare covers.

Would urgent care be coded for $20 like a doctor copay or $50 like emergency room?:

@MaryBethMcCoy

7 ай бұрын

Urgent care is charged like a doctor’s office visit, so $20 is the copay.

@bonniekent4721

7 ай бұрын

@@MaryBethMcCoy thank you so much for your fast reply

@AbtInsuranceAgency

7 ай бұрын

$20 like an office visit.

@bonniekent4721

7 ай бұрын

@@AbtInsuranceAgency thank you so much for answering my question I am still leaning towards plan N and will contact your office in 2024 which is when I will be turning 65

My understanding with the plan N. Is that if insurance company goes out of business. You have to take a health and wellness test to have another carrier to get plan N. And that's not with plan G

@AbtInsuranceAgency

4 ай бұрын

That’s not true - if you have a Plan N and your insurance company goes completely under and can no longer service their books of business (incredibly unlikely) then you have a guaranteed issue right to purchase a Plan G with another insurance company.

@ezeddie9747

4 ай бұрын

@@AbtInsuranceAgency so what is the birthday rule then

Question on N, do the post surgery physical therapy sessions cost $20 a visit😂?

@AbtInsuranceAgency

7 ай бұрын

It depends on how they are coded! Usually physical therapy sessions do not have a copay.

If your plan N goes away because your insurance company no longer is going to provide it my understanding is you can’t get a new N guaranteed without medically qualifying for it like you would had that happen on a G plan

@AbtInsuranceAgency

2 ай бұрын

Plan N is not a “guaranteed issue” plan, so in this extremely I likely situation you would be eligible to buy a Plan G guaranteed issue.

Plan G vs Plan N. about a $40 dollar per month premium difference. So 2 visits a month, you should be in Plan G, More than 2 visits, you should be in Plan G. and then there's the EXCESS CHARGES which is balance billing. You should be in Plan G. You are going to pay more in Plan N 99% of the time. Enroll in Plan G, set and forget.

@AbtInsuranceAgency

4 ай бұрын

I respectfully disagree. Some people should be in Plan G while others will be much better off on Plan N.

Is urgent care 50 or 20 under N?

@AbtInsuranceAgency

7 ай бұрын

$20 if it is coded the way I’ve outlined in the video description.

@Johnt3XVI

7 ай бұрын

@@AbtInsuranceAgency The operative word here is “if”.

This plan N is only for those 65 and older and never for those under 65 with a disability, correct? But Plan G can be purchased by those under 65? Also, are Plans G and N as supplemental plans considered equivalent to Medicare Advantage plans ( I understand advantage plans bundle parts A and B and plans G and N are separate).

@AbtInsuranceAgency

7 ай бұрын

Plan G and N are different than Medicare Advantage- check out this video for more information- When you are under 65 insurance companies are not required to offer plan G or N in most states. You may be able to purchase either of them depending on where you live.

How much do you pay a month??

@roberts1159

7 ай бұрын

Depends on supplement company and plan type. N or G, also your age come into play. Suggest contacting her for details.

@AbtInsuranceAgency

7 ай бұрын

You nailed it! 🙂 888-465-9728

@21550spurs

7 ай бұрын

Also depends on your state

If you prefer a Supplement then only buy an "N" plan from a major insurance company. However, Medicare Advantage Plans continue to dominate the Medicare market. As of 2023 51% of all eligible seniors have an Advantage Plan. Your choice.

@sydneywillingham

7 ай бұрын

When you remove those on SNP type MA plans, the amount of people in MAPDs and MS plans is nearly identical. They're also growing at the same pace. Your figures are correct, but there is additional important information to include.

@dmjh932

7 ай бұрын

@@sydneywillingham I think as time passes and some minor improvements are introduced to all MA plans. The advantage plans will continue to make gains that will exceed all MS.

@AbtInsuranceAgency

7 ай бұрын

Well said!

@dmjh932

7 ай бұрын

@@AbtInsuranceAgency My wife has had a "G" plan with Mutual for 8 years. I elected for a PPO UNH advantage plan 10 years ago. I have actually saved more than 20 thousand dollars in premiums I would have paid a insurance company for a supplement plus drug plan. In 2024 we decided to take out a MA for my wife since she's entitled to a free 12 month look with zero risk. She'll probably return to the "G" supplement later next year. We'll save more than 25 hundred dollars. She takes numerous monthly drugs. What's interesting is that the MA drug plan with UNH is 5 hundred dollars lower for annual out of pocket in 2024. But like all insurance. It always depends on a person's rick tolerance.

@sydneywillingham

7 ай бұрын

@dmjh932 they mat for some. The reality is that people want to choose which Providers they see, where they receive their healthcare, and when they receive it. Based on that, there will always be a place for Med Supp. It may not be a huge market, but it will exist. 🙂

We live in a small town in Midwest. Having clinic in town or need to travel 40 min to capital of the state. Our clinic charge $20 plan N for every test for doctor who read it and send report to physician 😭

@AbtInsuranceAgency

7 ай бұрын

Wow. Thanks for that feedback.

@lisaveta8565

7 ай бұрын

@@AbtInsuranceAgencythey coded doctor’s reading and sending reports to physician or specialists as a doctor’s visits. I already told them it is fraud. The answer was ‘If you do not like our service you need to go to Capital. We are private clinic and we make our own rules” 😭😳

@futureaceone3971

7 ай бұрын

@@lisaveta8565 You might want to consider contacting Medicare about these illegal and fraudulent charges. Physicians don't get to make their own rules when coding Medicare insurance claims. This is fraud and comes out of everyone's pockets in the form of higher premiums. Medicare wants to know about fraud.

@WhiteRosez007

7 ай бұрын

Goodness. I would contact CMS and at least inform them. Being private and taking Medicare Assignment doesn't justify that.

Hello. I like to Cancel my Medicare and go back on Medical. It is possible?

@AbtInsuranceAgency

7 ай бұрын

?

@mimi1o8

6 ай бұрын

@@AbtInsuranceAgencyMedical, the California State insurance is low priced compared to Medicare. Would be interesting if you can answer the previous question. Thanks